It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, J. James Wolfe Agency, Inc. can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:
• Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.
• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.
• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.
• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.
• Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let’s talk about it.
To learn more about all an independent agency can offer you, call us today at 585-394-2790 (Canandaigua) or 585-235-4910 (Brighton).
Get ERIE RateProtect
With ERIE RateProtectSM for auto insurance coverage:
• You won’t be punished after a small claim like a minor fender bender.
• Annual rate increases do not happen automatically.
ERIE RateProtect offers sophisticated pricing and stable rating, shielding against large rate swings. ERIE guarantees that your auto policy won’t be surcharged the first time you’re in an at-fault accident. And you won’t lose discounts for a single paid claim.
Contact our agency today so we can give you an auto quote that includes ERIE RateProtectSM.
ERIE RateProtect does not guarantee continued insurance coverage. Insured must meet underwriting guidelines. Premium may change if you make a policy change.
Vehicles are significant investments that need to be protected. The staff at the J. James Wolfe Agency understands this. Our client service team is standing by to assist you with any questions you may have. As an Independent Insurance Agency, we have the unique ability to provide you with the optimal coverage at a price you can afford. There's no 800 numbers to call or digital recordings. We do everything for you. You can rely on us as the area's Auto Insurance experts. After all, we live here and have enjoyed insuring our client's vehicles since 1974!
When you're ready to enjoy the comfortable, trustworthy service of the area's largest independently owned Insurance Agency, we're here for you. Contact us today. Better yet, stop in to one of our two locations and meet us. Thank you and we look forward to serving you.
R U Texting n Driving?
For as long as there’ve been cars, there’ve been distracted drivers. And that’s never been truer than now, with drivers facing temptation from Internet-enabled mobile phones, GPS devices, iPods and all the other electronics out there.
That said, one of the most dangerous distractions remains texting while driving, an activity that the Virginia Tech Transportation Institute reports makes it 23 times more likely that a driver will crash.
With statistics like that, it’s no wonder states like Pennsylvania feel spurred to action. The commonwealth became the 37th state to ban texting while driving when it enacted Act 98 in March. This new law stipulates that anyone caught tapping out a message behind the wheel can be pulled over and fined $50.
The Keystone State joins the District of Columbia and nine other states within ERIE’s footprint — including Illinois, Indiana, Maryland, New York, North Carolina, Tennessee, Virginia and Wisconsin — to prohibit texting while driving.
The District of Columbia, Maryland and New York take it a step further by banning drivers from texting and talking with handheld devices.West Virginia is set to do the same by July 2012.
Research out there shows that these laws are smart moves. For instance, a recent study by the Safe Transportation Research and Education Center (SafeTREC) at the University of California, Berkeley, revealed that California’s 2008 prohibition on using handheld devices behind the wheel led to a direct 47 percent decrease in fatalities.
Even still, with more than 3,000 fatalities at the hands of distracted drivers in 2010 alone, there’s more work ahead. The National Transportation Safety Board (NTSB), an independent federal agency whose recommendations have led to the passage of many state and federal laws, advocates banning motorists from using all hand-held and hands-free devices while driving.
To get that message in front of Congress and the public, NTSB hosts Distraction.gov, a resource where visitors can learn more about the dangers of distracted driving and take action. Give it a click to learn more about what you can do to keep the roads safe — especially if you reside in Ohio, the only state within ERIE’s territory without any prohibitions against using handheld devices while driving.